HDFC Bank Millennia Credit Card
5% cashback on top apps + ₹1,000 vouchers every quarter
Network: Visa | Type: Cashback and First | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 + GST
- Waiver: Waived on ₹1L annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver (₹250/month max)
- Redemption Fee: ₹50 per redemption
- Late Payment Fee: ₹100 – ₹1,300 based on bill amount
- Interest Rate: 3.75%/month (~45% p.a.)
- Cash Advance: 2.5% or ₹500 min
Credofly Review
The HDFC Millennia is designed for the modern Indian user — think Amazon Prime orders, Friday night Zomato cravings, and Uber rides. With 5% cashback in CashPoints on nearly every top lifestyle brand, it’s as generous as it is simple.
The value multiplies with the quarterly milestone voucher, making it ₹4,000 in extra gift vouchers yearly. One downside? Your rewards come as CashPoints, not direct cashback — and a ₹50 redemption fee applies. But given the ease of redeeming against your bill, it’s still one of the most rewarding cashback cards under ₹1L salary bracket.
A smart pick if you’re looking to maximize daily spending, without stepping into premium card territory.
Rewards & Earnings
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5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, etc.
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1% on all other eligible spends
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Cashback as CashPoints (1 CP = ₹1), valid 2 years
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Minimum 500 CP for redemption; ₹50 redemption fee
Redeem CashPoints against your card bill
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1 CP = ₹1
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Minimum 500 CP required
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₹50 fee per redemption
Benefits
- Welcome:
1,000 CashPoints on paying joining fee
- Milestone:
₹1,000 gift voucher every quarter on ₹1L spend
- Renewal:
Annual fee waived on ₹1,00,000 yearly spend
- Lifestyle:
Why We Like It
Great mix of cashback + vouchers + lifestyle perks in an entry-level card. Perfect for salaried users.
Pros & Cons
✅ Pros
5% cashback on top lifestyle brands
₹1,000 vouchers per quarter on ₹1L spend
Annual fee waived easily + dining perks
❌ Cons
1% cashback on non-preferred spends only
CashPoints need min 500 to redeem, ₹50 fee
1% fee from July 2025 on rent, wallet loads > ₹10K
Eligibility & Application
Eligibility:
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Age: 21–40
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Salaried: ₹35,000/month
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Self-Employed: ₹6 lakh/year
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CIBIL: 700+ preferred
How to Apply:
Apply online in 2 mins:
👉 Click here to apply via Credofly
Upload PAN + Aadhaar + income proof → eKYC → Instant virtual card → Physical card in 5–7 days
FAQs
What is the cashback structure?
5% on Amazon, Flipkart, Swiggy, Zomato, Uber, Sony LIV, etc. 1% on other spends. Cashback via CashPoints.
Can I waive the ₹1,000 fee?
Yes, annual fee is waived on ₹1L spend/year.
Is there a welcome bonus?
Yes — 1,000 CashPoints on joining (on fee payment).
How are CashPoints redeemed?
Against bill at 1 CP = ₹1. Min 500 CP required. ₹50 fee applies.
What changes from July 2025?
1% fee on rent, wallet loads & gaming if you cross ₹10K/month.
User Reviews
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